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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $464,679 | $181,062+156.6% | $158,223+193.7% | $155,188+199.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 9.70% | 57.39%-47.7pp | 52.09%-42.4pp | 148.84%-139.1pp |
| Employer contribution / active EE | $16,617 | $4,565+264.0% | $4,109+304.4% | $4,248+291.2% |
| Participant deferral / active EE | $10,333 | $6,134+68.4% | $5,467+89.0% | $6,531+58.2% |
| Admin fee / account holder | $2,189 | $18,825-88.4% | $16,047-86.4% | $14,480-84.9% |